Venice, CA · Charter 64483
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.71% | 2.96% | 3.02% | 3.49% | 3.62% | 3.86% | 4.68% | -0.79% | -428 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.49% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 152.96% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.39% | 5.65% | 5.14% | 5.24% | -3.31% | -9.36% | -16.55% | -20.19% | -2,543 bps | |
| Loan Growth (YoY) | 43.96% | 9.80% | -2.82% | -5.10% | -27.66% | -52.84% | -100.00% | -100.00% | -9,490 bps | |
| Share Growth (YoY) | -8.47% | 4.81% | 4.32% | 3.73% | -8.13% | -19.09% | -28.50% | -33.10% | -3,682 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.07% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.65% | 6.19% | 6.47% | 7.38% | 9.19% | 13.13% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.16% | 46.10% | 43.85% | 38.44% | 34.77% | 26.87% | 0.00% | 0.00% | -3,844 bps | |
| Liquid Assets / Assets | 45.24% | 44.24% | 73.69% | 71.70% | 70.29% | 75.23% | 92.52% | 89.06% | +1,736 bps | |